Side-by-side · Q2 2026 data
First Unity Federal Credit Union vs Vicksburg Railroad Federal Credit Union
Credit union
First Unity Federal Credit Union
McComb, Mississippi · Under $100 million in assets
Credit union
Vicksburg Railroad Federal Credit Union
Vicksburg, Mississippi · Under $100 million in assets
Metric by metric
| Measure | First Unity Federal Credit Union | Vicksburg Railroad Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 77 (stronger) |
| Capital cushion | 90 | 100 (stronger) |
| Loan quality | 0 | 83 (stronger) |
| Earnings | 100 (stronger) | 30 |
| Funding & liquidity | 73 (stronger) | 71 |
| Problem-loan coverage | 0 | 98 (stronger) |
| Peer percentile | 19th | 57th |
| Total assets | $11.7M | $12.0M |
| Deposits / shares | $9.7M | $8.0M |
| Capital ratio | 14.00% | 32.83% (stronger) |
| Problem loans | 26.52% | 0.52% (stronger) |
| Net charge-offs | 1.90% | 0.11% (stronger) |
| Return on assets | 2.49% (stronger) | 0.26% |
| Loans ÷ deposits | 87.0% (stronger) | 89.7% |
| Uninsured deposits | 0.0% (stronger) | 5.3% |
| Offices | 0 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Vicksburg Railroad Federal Credit Union has the higher TellerScore (77 vs 58). On the 7 directional measures above (where higher or lower is clearly better), First Unity Federal Credit Union leads on 3 and Vicksburg Railroad Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.